Never ever buy insurance from these people. They have put me thru it over a drug prescribed by my doctor. If the medicine is over $100.00 they make you try not one but two different medicines and still would not pay for it. I ended up paying for my medicine out of my pocket in desperation after trying for weeks for them to pay for it. We pay almost $10, 000 per year in premiums. No one in management takes phone calls. They are too busy spending the millions they make for doing nothing. They should be run out of business for defrauding people. read full review »